Zou Chuanwei's blockchain and financial infrastructure
Digital RMB (DC / EP) "ready", how will the future payment field usher in changes
in addition, for the areas that the central bank's digital currency can do but the third-party payment can not cover, Wang Zhicheng said that digital currency may have a great connection with the convergence of digital assets in the future, which means that shopping and selling use the same media, and things with similar media will have a better matching degree, which is easy to be accepted by everyone, "In the future, for example, for any financial procts and transactions between virtual assets, the matching degree and convenience of using the central bank's digital currency will be much higher than the current third-party payment."
Shanghai pilot use of digital RMB
Dr. Yu Yiming, from the Department of respiratory and critical care medicine of Tongren Hospital Affiliated to Shanghai Jiaotong University Medical College, became a "taster", and he used his new screen display card style hard wallet to "rely on" the payment terminal to complete the payment
this is the first time that digital RMB has realized the Hard Wallet payment mode without mobile phone in Shanghai after Shenzhen and Suzhou mobile phone code scanning and touch payment. However, in the view of instry insiders, the use of digital RMB in Shanghai pilot screen card type hard wallet payment is not "double offline" payment, but "single offline" payment
then, how can digital RMB truly realize safe "double offline" payment? In this regard, the reporter of international finance news interviewed the banks that provided technical support for the pilot project of digital RMB in Shanghai, and relevant people of many banks said that there was no disclosure caliber for the time beingblockchain, analyzed the "double offline" payment logic of digital RMB that he understood to the reporter of international financial news: "when the payment wallet is disconnected from the network, it constructs a transaction message and signs it, sends it to the collection wallet through near-field communication, and the collection wallet is submitted to the digital RMB system of the people's Bank of China for accounting in the subsequent networking."
The reporter learned that on January 5, Dr. Yu Yiming of Tongren Hospital Affiliated to Medical College of Shanghai Jiaotong University took the lead in using the screen display card type digital RMB Hard Wallet provided by postal savings bank of China to realize the one-stop experience of ordering, consuming and paying in the staff restaurant of the hospitalafter ordering a meal, Dr. Yu Yiming took out the new hard wallet of China postal savings bank, and gently "leaned" on the payment terminal of the restaurant. The ink screen in the upper right corner of the Hard Wallet Card "scattered" to complete the payment
the payment terminal will print out the consumption ticket immediately, and the consumption amount, card balance and offline payment times are clearly displayed in the ink screen window in the upper right corner of the hard wallet card“ For the first time, it's very convenient to consume in digital RMB. You can see the balance and feel at ease. " Yu Yiming said
"when private payment organizations such as WeChat and Alipay expand their scale, they will have some impact on user privacy protection and fair market competition. DC / EP can help mitigate these impacts. " Zou Chuanwei, chief economist of Wanxiang blockchain and Platon, told the white paper
in the coming revolution, are the three party payment systems such as Alipay and WeChat payment safe? P>
Mu Changchun, director of the digital Monetary Research Institute of the Chinese people's Bank of China, WeChat and Alipay are financial infrastructure, usually wallets. In the era of electronic payment, the contents of wallets are actually deposit currencies of commercial banks. In the era of digital renminbi, the digital renminbi was added to WeChat and Alipay's wallets. People can still use WeChat and Alipay to pay, but payment tools include not only the banknote deposit money, but also the digital RMB option. p>
in addition, given the current concerns that some elderly people will not use digital RMB, Mu Changchun said that digital RMB will provide inclusive services for all
Mu Changchun, director of the digital currency Research Institute of the people's Bank of China: we have also been developing digital RMB procts suitable for the elderly and those who do not use intelligent terminals to avoid the digital divideaccording to the 2015 statistical report of the credit reference center of the people's Bank of China, 850 million natural persons have been recorded in the database of the credit reference center of the people's Bank of China, of which 350 million have credit records, and the remaining 500 million have no credit. The private financial institutions will not upload the data to the credit reference center of the people's Bank of China like the traditional banks, and the data of the private financial institutions are also different from each other, resulting in the dilemma of "information island"
91 through the distributed database solution, adhering to the principle of "no upload, no save, real-time update", the credit reference system can get through the data of private financial institutions, break the "information island" problem among various institutions, form the 91 credit reference alliance, and realize the information mutual communication of private financial institutions
9, proct address
91 credit report of the same instry: http://www.91zhengxin.com/instryReportV.do Beijing Xiaocui times Information Service Co., Ltd. was founded in January 2012, Is a technology company dedicated to using technology to solve data problems in the financial field
in June 2015, the company obtained market and capital recognition with its innovative non-performing asset disposal scheme, and obtained tens of millions of angel round financing from Jingwei China, an international well-known venture capital institution. In October of the same year, 91 credit reporting, a proct dedicated to solving the problems of financial risk and credit data sharing, was officially launched
in February 2016, 91 credit enterprises had more than 200 users, and completed round a financing in the same period. Jingwei China followed the investment, and the company achieved full profit at the end of 2016
in May 2017, the company completed the B round financing of tens of millions invested by yinjie. The new financing will accelerate the realization of 91 credit reference vision, change credit reference through the Internet, provide sharing technology for financial service institutions, and comprehensively rece the risk of financial instry
91 the core team of credit reference is composed of Yixin, network and Jingdong financial personnel. The headquarters is located in Beijing, China, with business departments in Shanghai and Shenzhen. At present, the company's business has expanded to Beijing, Shanghai, Shenzhen, Hangzhou, Nanjing, Guangzhou, Cheng, Wuhan, Tianjin, Qing, Shijiazhuang and other regions
as the second part of the overall activity, on October 25, 2017, dataape will also hold the summit of "2017 financial technology value - data driven financial business fission" in Beijing [details of this forum - review of the first session - review of the second session] and will hold an award ceremony for articles, cases and procts